CN110135851A - A kind of transaction backing method and relevant device based on data processing - Google Patents

A kind of transaction backing method and relevant device based on data processing Download PDF

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Publication number
CN110135851A
CN110135851A CN201910301552.9A CN201910301552A CN110135851A CN 110135851 A CN110135851 A CN 110135851A CN 201910301552 A CN201910301552 A CN 201910301552A CN 110135851 A CN110135851 A CN 110135851A
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repayment
transaction
target
refund
period time
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李光
王世东
万志生
李逸恒
刘俊
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Ping An Puhui Enterprise Management Co Ltd
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Ping An Puhui Enterprise Management Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
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  • Physics & Mathematics (AREA)
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  • Technology Law (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the present application discloses a kind of transaction backing method and relevant device based on data processing, the method is applied to financial technology field, it include: the rollback requests being directed to wait the refund transaction that retracts for receiving terminal and sending, it searches and identifies matched history repayment schedule with wait the receipt refunded and traded that retracts, and it is determined from least one repayment period time wait the exchange hour corresponding target repayment period time refunded and traded that retracts, and in history repayment schedule delete target repayment period time go back fund plan and each after target repayment period time goes back fund plan, obtain the first repayment schedule, and then the record information of refund indicated by fund plan is gone back based on each before target repayment period time, reconstructed in the first repayment schedule target repayment period time go back fund plan and each after target repayment period time goes back fund plan, to obtain wait retract also The second repayment schedule after money transaction rollback.Using the application, be conducive to the rollback efficiency for improving transaction of refunding.

Description

A kind of transaction backing method and relevant device based on data processing
Technical field
The present invention relates to financial technology fields more particularly to a kind of transaction backing method and correlation based on data processing to set It is standby.
Background technique
In financial technology field, when a loan transaction generates, the corresponding receipt number of the loan transaction, mode of repayment and Refund issue has determined that.The staff of financial institution can determine the loan according to the receipt number, mode of repayment and repayment period numeral system Money trades corresponding repayment schedule, which can recorde user and should go back for each repayment period time of the loan transaction The amount of money goes back the amount of money with real.
Each business day is whole, and staff can clear user for the refund transaction of the receipt number, to update Reality in repayment schedule goes back the amount of money and should go back the amount of money.If existing transaction system day, clearance was completed to find that a certain pen refund is handed over eventually Easily there is mistake (repayment amount of transaction is 1000 for example, a certain pen is refunded, but the repayment amount recorded is 100 yuan), if thinking The repayment schedule before this refund transaction occurs is reverted to, then needs staff that will be directed to the receipt by artificial mode Number all refund transaction by pen retract.As can be seen that traditional rollback mode operates more complicated, rollback inefficiency.
Summary of the invention
The embodiment of the present application provides a kind of transaction backing method and relevant device based on data processing, is conducive to improve The efficiency that transaction of refunding retracts.
In a first aspect, the embodiment of the present application provides a kind of transaction backing method based on data processing, the method is answered For server, this method comprises:
The rollback requests being directed to wait the refund transaction that retracts that terminal is sent are received, the rollback requests include described wait retract It refunds the Transaction Information of transaction, the Transaction Information includes described wait the exchange hour of transaction and described wait retract also of refunding that retracts The corresponding receipt mark of money transaction；
It searches and identifies matched history repayment schedule with the receipt, the history repayment schedule includes at least one refund Each repayment period time corresponding goes back fund plan in phase time；
The exchange hour corresponding target repayment period time is determined from least one described repayment period time, and described Deleted in history repayment schedule target repayment period time go back fund plan and after the target repayment period time it is each also Fund plan obtains the first repayment schedule；
The record information of refund indicated by fund plan is gone back based on each before the target repayment period time, also described first Money reconstruct in the works target repayment period time go back fund plan and each after the target repayment period time goes back fund meter It draws, to obtain second repayment schedule after retracting and refunding transaction rollback.
In one embodiment, it before the lookup identifies matched history repayment schedule with the receipt, can also examine Whether in preset time range to survey time range between the exchange hour and system time；If detecting the time model It is trapped among in the preset time range, then triggers and execute the step that the lookup identifies matched history repayment schedule with the receipt Suddenly；If detecting the time range not in the preset time range, prompt information is exported to the terminal, it is described to mention Show that information described can not retract for prompting wait the transaction of refunding of retracting.
In one embodiment, it is described retracted after the second repayment schedule after, can determine that the target is refunded The repayment date of the previous repayment period time of phase time；It inquires between the repayment date and the exchange hour and is borrowed with the presence or absence of for described It trades according to the refund of mark；If there is the refund for receipt mark between the repayment date and the exchange hour Refund transaction is then determined as the first refund transaction by transaction；Based on the Transaction Information of the first refund transaction, described The target repayment period time corresponding sub- repayment schedule of target is updated in second repayment schedule.
In one embodiment, record has the gold that should go back item in the target repayment period time corresponding sub- repayment schedule of target Volume and reality go back the amount of money of item, and the item that should go back comprises at least one of the following: should go back capital, should go back default interest, should also answer benefit, Ying Haili Breath and odd corpus, the reality also item comprise at least one of the following: real to go back capital, real also default interest, real also multiple benefit and real also interest.
In one embodiment, the item that should go back includes that should go back interest, and the reality also item includes going back interest in fact, and described first The Transaction Information traded of refunding includes refund time and the repayment amount of the first refund transaction, described to be based on described first also The Transaction Information of money transaction, updates the target repayment period time corresponding sub- repayment schedule of target in second repayment schedule Specific embodiment are as follows: by it is described first refund be switched to the day of trade it is described first refund transaction the refund time；For described Target repayment period time, the repayment amount is calculated in the refund time to the refund interest generated between the exchange hour； The amount of money that should go back interest is subtracted into the refund interest in the sub- repayment schedule of the target；It refunds and hands over based on described first Easy repayment amount carries out refund processing to the sub- repayment schedule of target for subtracting the refund interest, updates target and refunds It is described in the works to go back the amount of money of item and the amount of money of the reality also item.
In one embodiment, it is described retracted after the second repayment schedule after, can also it is described wait retract hand over The mark that retracted is added in the easy Transaction Information, and also by the Transaction Information and described second of the addition mark that retracted Money plan is sent to the terminal.
In one embodiment, record has each repayment period time corresponding to carry interest in the history repayment schedule Day and expiry date for interest, it is described that the exchange hour corresponding target repayment period time is determined from least one described repayment period time Specific embodiment are as follows: it is based on the exchange hour and each repayment period time on corresponding value date and expiry date for interest, from It is described wait retract also wait the corresponding target repayment period time of trading of refunding that retracts described in being determined at least one described repayment period time The exchange hour of money transaction is in the time range between the target repayment period time on corresponding value date and expiry date for interest.
Second aspect, the embodiment of the present application provide a kind of transaction rollback device based on data processing, device configuration In server, being somebody's turn to do the transaction rollback device based on data processing includes the module for executing the method for above-mentioned first aspect.
The third aspect, the embodiment of the present application provide a kind of server, which includes processor, network interface and deposit Reservoir, the processor, network interface and memory are connected with each other, wherein control of the network interface by the processor For messaging, the memory is used to store the computer program for supporting server to execute the above method, the computer Program includes program instruction, and the processor is configured for calling described program instruction, the method for executing above-mentioned first aspect.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer-readable storage Media storage has computer program, and the computer program includes program instruction, and described program instructs when being executed by a processor The method for making the processor execute above-mentioned first aspect.
In the embodiment of the present application, server can receive the rollback requests of terminal transmission being directed to wait the refund transaction that retracts, It searches and identifies matched history repayment schedule with wait the receipt refunded and traded that retracts, and determined from least one repayment period time Wait the exchange hour corresponding target repayment period time refunded and traded that retracts, and delete target repayment period is secondary in history repayment schedule Go back after fund plan and target repayment period time it is each go back fund plan, obtain the first repayment schedule, and then be based on target It is each before repayment period time to go back the record information of refund indicated by fund plan, target repayment period time is reconstructed in the first repayment schedule Go back after fund plan and target repayment period time it is each go back fund plan, with obtain wait retract refund transaction retract after the Two repayment schedules.Using the application, partial rollback can be carried out just for wait retract to refund to trade, without clear having completed All refund transaction calculated all retracts again, substantially increases the rollback efficiency for transaction of refunding.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in embodiment description Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the invention, general for this field For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of transaction backing method based on data processing provided by the embodiments of the present application；
Fig. 2 is the flow diagram of another transaction backing method based on data processing provided by the embodiments of the present application；
Fig. 3 is a kind of schematic block diagram of transaction rollback device based on data processing provided by the embodiments of the present application；
Fig. 4 is a kind of schematic block diagram of server provided by the embodiments of the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall within the protection scope of the present invention.
Show referring to the process that Fig. 1, Fig. 1 are a kind of transaction backing methods based on data processing provided by the embodiments of the present application It is intended to, this method is applied to server, can be executed by server, as shown, should the transaction backing method based on data processing Can include:
101: receiving the rollback requests being directed to wait the refund transaction that retracts that terminal is sent, which includes wait retract also Money transaction Transaction Information, the Transaction Information include wait retract refund transaction exchange hour and wait retract refund transaction it is corresponding Receipt mark.
Wherein, receipt mark can be the receipt number of each receipt.In financial field when a loan transaction generates, The corresponding receipt number of the loan transaction, mode of repayment and refund issue have determined that.Staff's meeting basis of financial institution should Receipt number, mode of repayment and repayment period numeral system determine the corresponding repayment schedule of the loan transaction, which can recorde user The amount of money is gone back with real for the amount of money that should go back of each repayment period time of the loan transaction.In one embodiment, it is equipped in terminal Trade management platform, user can formulate each corresponding repayment schedule of receipt number by logging in the trade management platform, And store the corresponding repayment schedule of each receipt number.Further, which can also be by each repayment schedule and each The corresponding receipt number of repayment schedule is sent to server, and each receipt number can be associated with by server with each repayment schedule It stores into database.
In one embodiment, user can log in trade management platform by terminal, and in the trade management platform Check it is each refund transaction Transaction Information and, each corresponding repayment schedule of receipt number.When user has found certain pen also There are mistakes for the Transaction Information of money transaction, it is desirable to which trade corresponding repayment schedule of the refund is reverted to this and refunded transaction When preceding repayment schedule, this can be found in trade management platform and is refunded transaction, and refund transaction input for the pen Rollback requests.In this case, this can be refunded to trade and be determined as wait the transaction of refunding that retracts by terminal, and this is waited retracting also The Transaction Information carrying of money transaction is sent to server in rollback requests.
In one embodiment, terminal can provide a transaction rollback query page, and user can be by inputting wait return Receipt number, refund batch and the querying conditions such as time of refunding of refund transaction, find this wait the transaction of refunding that retracts, in turn Wait retracting transaction sending rollback requests of refunding for this.
102: searching and identify matched history repayment schedule with receipt, which includes at least one repayment period Each repayment period time corresponding goes back fund plan in secondary.
In one embodiment, at least one receipt mark and each receipt mark are previously stored in the database of server Know corresponding history repayment schedule, wherein receipt mark and history repayment schedule have one-to-one relationship.In a reality Apply in example, when server receive for wait retract refund transaction rollback requests after, can be according to carrying in rollback requests Receipt mark inquires the receipt in the database and identifies corresponding history repayment schedule.Wherein, which includes Each phase time corresponding goes back fund plan at least one repayment period time and at least one repayment period time.For example, for one 30,000 yuan of a amount of the loan, point refund in 3 months, for mode is the history repayment schedule of equal capital by stages, which, which refunds, is counted Drawing for example can be as shown in table 1-1.As can be seen that the corresponding receipt number of history repayment schedule is " 001 ", repayment period time includes Tri- phases of T0, T1 and T3 time, what each phase time respectively corresponded to itself goes back fund plan.It includes corresponding to each phase time that this, which goes back fund plan, Repayment date, on value date, expiry date for interest, rate per month, capital should be gone back, real capital gone back, should go back interest, is real and interest and odd corpus Deng.
Table 1-1
It is understood that different repayment schedules can be formulated for for different transaction or by stages mode.Example Such as a loan transaction, it can be corresponded to if different mode by stages (such as equal principal, equal capital etc.) different Repayment schedule.Wherein, which can also be directed to Charge exchange, such case other than it can be directed to loan transaction Under repayment schedule it is corresponding go back fund, then not instead of for capital or interest etc., each issue of fee to be charged paid takes With.The expense can be depending on the actual conditions of every Charge exchange, such as can be Guarantee fee, monthly charge etc..This hair It is bright that this is not especially limited.
103: the exchange hour corresponding target repayment period time is determined from least one above-mentioned repayment period time, and at this In history repayment schedule delete target repayment period time go back fund plan and each after the target repayment period time goes back fund meter It draws, obtains the first repayment schedule.
104: going back the record information of refund indicated by fund plan based on each before target repayment period time, refund and count first In drawing reconstruct target repayment period time go back fund plan and each after target repayment period time goes back fund plan, to obtain wait return The second repayment schedule after refund transaction rollback.Wherein, each before the target repayment period time to go back indicated by fund plan also Money record information includes the refund situation of each repayment period time before the target repayment period time, should go back gold as each repayment period time is corresponding Volume goes back the amount of money, remaining repayment amount, by stages mode, loan ceiling etc. in fact.
In one embodiment, in above-mentioned history repayment schedule record have time corresponding value date each repayment period and Expiry date for interest, server can wait retracting based on this exchange hour traded and each repayment period time on corresponding value date of refunding And expiry date for interest, it is determined from least one repayment period time wait the corresponding target repayment period time of trading of refunding that retracts.It should be wait retract The exchange hour traded refund in the time range between target repayment period time on corresponding value date and expiry date for interest.
Illustratively, it is assumed that be stored in advance in database just like history repayment schedule shown in table 1-1, which, which refunds, counts Drawing corresponding receipt number is 001, and the exchange hour wait the refund transaction A that retracts is September 30th (being denoted as 9.30), should be refunded wait retract The corresponding receipt number of A of trading is 001.In this case, server can find the history as shown in table 1-1 also from database Money plan, wait retracting the corresponding history repayment schedule of transaction A of refunding as this.It is possible to further determine to refund wait retract Exchange hour September 30th of transaction A are located at (value dates 9.1~settle interests between repayment period time on T1 corresponding value date and expiry date for interest 9.30) repayment period time, and then can be determined as this wait the A corresponding target repayment period time of trading that retracts by day.
Further, server determines the exchange hour corresponding target repayment period time from least one repayment period time Afterwards, can in the history repayment schedule delete target repayment period time go back fund plan and complete after the target repayment period time Portion's also fund plan, obtains the first repayment schedule.Further, it is gone back indicated by fund plan based on each before target repayment period time Refund record information, go back fund plan and target repayment period time after target repayment period time is reconstructed in the first repayment schedule Afterwards go back fund plan, obtain wait retract refund transaction retract after the second repayment schedule.It in this manner, can be only right Wait the transaction progress partial rollback of refunding that retracts, without all refund transaction for having completed clearance is all retracted again, Substantially increase the rollback efficiency of transaction.
Illustratively, it is assumed that there are one is refunded the corresponding history repayment schedule of transaction A as shown in table 1-1 wait retract, to The exchange hour of rollback refund transaction A is September 30th, and the mode by stages of the corresponding order of providing a loan of the history repayment schedule is equal Gold, loan total amount are 30,000 yuan, and repayment period time was 3 phases.Wherein, this mode, repayment period time, loan total amount are to formulate by stages It is predetermined when the history repayment schedule, it should be T1 wait the refund transaction A corresponding target repayment period time that retracts.Such case Under, server can be deleted in the history repayment schedule after T1 (including T1) it is all go back fund plan, obtain such as table 1-2 institute The first repayment schedule shown.
Table 1-2
Further, parse all phases time before the T1 such as table 1-2 shown in the first repayment schedule (that is, it is each before T1 and also Fund plan) indicated by refund record information, the loan ceiling of the available loan order is 30,000 yuan, and mode is by stages Equal capital, repayment period time are 3 phases, the rate per month 5% and the odd corpus of each phase of each phase.Server can be according to upper Information is stated, is determined for this provides a loan order, odd corpus also is not 20,000 yuan, and the T0 phase should go back principal and interest It pays off, and then the calculation according to 20,000 yuan of the odd corpus, rate per month 5% and equal capital, reconstruct T1 goes back fund meter Drawing the go back fund plan secondary with the T2 phase, (what i.e. target repayment period was secondary goes back fund plan and each refund after target repayment period time Son plan) should go back item and odd corpus, obtain the second repayment schedule as shown in table 1-3, restored wait retract refund transaction A Repayment schedule before generation.Wherein, by taking table 1-2 as an example, it may include that should go back capital, should go back interest rate that this, which should go back item,.Wherein, due to Interest rate, which should be gone back, will be calculated according to the current residual capital of the phase from value date, and daily be added up.For example, from carrying interest Day starts to calculate for 9.1 days 2018, and the current residual capital of T1 phase is 20,000 yuan, then the T1 phase on the 9.1st time goes back fund in the works Should to go back interest then be 100/3 yuan, the T1 phase on the 9.2nd time go back fund in the works should to go back interest then be 200/3 yuan, as long as not sending out The raw payment beforehand for being directed to odd corpus, then this should go back interest and then daily can persistently add up, until expiry date for interest.Wherein, due to The second repayment schedule corresponding system accounting time after rollback refund transaction retracts rests on the friendship that the refund that waits retracting is traded The easy time (September 30 days), therefore, the interest that should go back in the second repayment schedule shown in table 1-3 is 3000/3=1000 member.
Table 1-3
In one embodiment, server obtain this wait retract refund transaction retract after second repayment schedule after, can be with Add the mark that retracted in the Transaction Information of transaction to be retracted, and by addition retracted mark Transaction Information and this second also Money plan is sent to terminal.
Terminal correspond to user check second repayment schedule and added the rollback mark Transaction Information after, if it is desired to will It is above-mentioned to refund in corresponding correct transaction (hereinafter referred to as target transaction) update to second repayment schedule of transaction wait retract, then may be used To inject a target transaction for second repayment schedule, and issue modification request.For example, the friendship wait the refund transaction A that retracts The easy time is 9.30, and wait retract, the refund transaction actual repayment amount of A is 21000 yuan, for repaying odd corpus and target The interest of T1 phase time repayment period time, but be 11000 yuan by incorrect posting in repayment schedule before, it is only used for repaying target repayment period The interest and capital of secondary T1 phase time, in this case, user can be in the trade management pages of terminal for second refund The refund that plan injects one 21000 yuan is traded (i.e. target transaction), for repaying odd corpus and T1 phase target repayment period time Secondary interest, and input modification request.Further, terminal can will carry the modification request of the Transaction Information of the target transaction It is sent to server, server can will be switched to this target transaction day wait retract also according to the Transaction Information of the target transaction The exchange hour of money transaction, and fund distribution is carried out in second repayment schedule, which is assigned to target and is refunded The reality also item (going back capital and real also interest strictly according to the facts) of phase time, and adjust target repayment period secondary odd corpus and the target The latter phase time of repayment period time goes back fund plan, obtains third repayment schedule.Wherein, user inputs the side of modification request Formula, such as can be touch-control " modification " function button.
Further, server is available all for above-mentioned receipt mark after the exchange hour for the refund transaction that retracts Refund transaction, and to these transaction of refunding according to time ascending sort, and then according to more forward, the then original of priority processing that sorts Then, these transaction of refunding are assigned to the reality also item that each exchange hour corresponds to repayment period time, and adjustment each repayment period time by pen Odd corpus, so as to complete wait the clearance again of corresponding history repayment schedule of trading of refunding that retracts.
For example, exchange hour September 30th wait the refund transaction A that retracts, the second refund after retracting and refunding transaction A rollback As shown in table 1-3, user is handed over by the refund that the trade management page injects one 21000 yuan for second repayment schedule for plan Easily (i.e. target transaction), for repaying the interest of odd corpus and T1 phase time target repayment period time, and touch-control " modification " function is pressed Button input modification request.The modification for carrying the Transaction Information of target transaction request is sent to server, server root by terminal According to the Transaction Information of the target transaction, the exchange hour of transaction of refunding that waits retracting will be switched to the target transaction day, and this Fund distribution is carried out in two repayment schedules, is assigned to the reality of T1 phase time also for 21000 yuan of the corresponding repayment amount of the target transaction Capital, reality also interest and T2 phase time go back fund plan, as shown in table 1-4.The corresponding client of the receipt number, by the receipt Number corresponding loan payment beforehand finishes.
Table 1-4
In one embodiment, server is searched with before the matched history repayment schedule of receipt mark, can also be examined It whether in preset time range to survey wait the time range between the exchange hour and system time refunded and traded that retract, if detection In preset time range to the time range, then it triggers and executes the step that the lookup identifies matched history repayment schedule with receipt Suddenly.Wherein, the preset time range be according to experiment test obtain, such as can be 90 days.
In another embodiment, if server detects above-mentioned time range not in preset time range, to end End output prompt information, the prompt information trade and can not retract wait retract to refund for prompting.The prompt information can be also used for The reason of prompt can not retract, such as: exchange hour exceeds preset time range, therefore can not retract.
In the embodiment of the present application, server can receive the rollback requests of terminal transmission being directed to wait the refund transaction that retracts, The rollback requests include wait the exchange hour for the refund transaction that retracts and wait the corresponding receipt mark of trading of refunding that retracts.Further Ground, server can be searched and identify matched history repayment schedule with receipt, and determine to hand over from least one repayment period time Easy time corresponding target repayment period time, so in history repayment schedule delete target repayment period time go back fund plan and Each after target repayment period time goes back fund plan, obtains the first repayment schedule.Further, server can be based on target also It is each before the money phase time to go back the record information of refund indicated by fund plan, target repayment period time is reconstructed in the first repayment schedule Each also after fund plan and target repayment period time goes back fund plan, with obtain wait retract refund transaction retract after second Repayment schedule.Using the application, it can only treat rollback transaction of refunding and carry out partial rollback, without having completed clearance All refund transaction all retract again, substantially increase the rollback efficiency of transaction.
Referring to fig. 2, Fig. 2 is the process of another transaction backing method based on data processing provided by the embodiments of the present application Schematic diagram, this method are applied to server, can be executed by server, as shown, should the transaction rollback side based on data processing Method can include:
201: receiving the rollback requests being directed to wait the refund transaction that retracts that terminal is sent, which includes wait retract also Money transaction Transaction Information, the Transaction Information include wait retract refund transaction exchange hour and wait retract refund transaction it is corresponding Receipt mark.
202: searching and identify matched history repayment schedule with receipt, which includes at least one repayment period Each repayment period time corresponding goes back fund plan in secondary.
203: the exchange hour corresponding target repayment period time is determined from least one above-mentioned repayment period time, and at this In history repayment schedule delete target repayment period time go back fund plan and each after the target repayment period time goes back fund meter It draws, obtains the first repayment schedule.
204: going back the record information of refund indicated by fund plan based on each before target repayment period time, refund and count first In drawing reconstruct target repayment period time go back fund plan and each after target repayment period time goes back fund plan, to obtain wait return The second repayment schedule after refund transaction rollback.Wherein, step 201~step 204 specific embodiment may refer to Step 101~step 104 associated description in embodiment is stated, details are not described herein again.
205: determine the repayment date of the previous repayment period time of target repayment period time, and inquire the repayment date and exchange hour it Between with the presence or absence of for receipt mark refund transaction.
206: if there is the refund transaction for receipt mark between above-mentioned repayment date and exchange hour, which being handed over The Transaction Information for being easily determined as the first refund transaction, and refunding transaction based on first, more fresh target is also in the second repayment schedule The money phase time corresponding sub- repayment schedule of target.Wherein, recording in the corresponding sub- repayment schedule of target of above-mentioned target repayment period time has The amount of money and the real amount of money for going back item of item should be gone back, this should go back item and comprise at least one of the following: should go back capital, should go back default interest, Ying Haifu Benefit should go back interest and odd corpus, which goes back item and comprise at least one of the following: real to go back capital, real also default interest, real also multiple benefit and in fact Also interest.
Wherein, multiple benefit can refer to the interest of interest, such as borrower is in certain bank loan, should pay interest on schedule and not It pays, the interest that bank collects the interest part of deficient friendship.Default interest can refer to the default interest after overdue loan, i.e. borrower is providing a loan Loaning bill capital is not paid off after expiring, default interest need to be collected by default interest interest rate from overdue to owe to pay capital as radix.
Illustratively, it is assumed that wait retract, the corresponding receipt of refund transaction A is identified as 001, and the previous of target repayment period time is gone back The money phase time is T0, and it is on September 1st, 2018 which, which corresponds to repayment date, and the exchange hour wait the refund transaction A that retracts is in September, 2018 30, server inquired between on October 1st, 2018 and on October 30th, 2018 there are two for receipt mark 001 Refund transaction H1 and H2.In this case, the refund transaction H1 and transaction H2 that refunds can be determined as the first refund friendship by server Easily.
In one embodiment, the above-mentioned item that should go back includes that should go back interest, and above-mentioned reality also item includes going back interest in fact, and above-mentioned first Refund transaction Transaction Information include the first refund transaction refund time and repayment amount, server first can refund this It is switched to the refund time of the first refund transaction the day of trade.Wherein, day cuts, it is popular for be exactly the time for replacing system accounting. This first being refunded and is switched to the refund time of the first refund transaction the day of trade here, it can be understood as in the refund time by the The corresponding repayment amount of one refund transaction is assigned in repayment schedule.For example, the first refund time for refunding transaction was September 20 Day, then, then replacing the system accounting time is September 20th.
It further, can be by needle after the first refund is switched to the refund time of the first refund transaction the day of trade by server It is secondary to target repayment period, it calculates first and refunds the corresponding repayment amount of transaction in the refund time to the refund generated between exchange hour Interest, and the amount of money that should go back interest is subtracted into the refund interest in the target repayment period time corresponding sub- repayment schedule of target, And then the repayment amount based on the first refund transaction carries out refund processing to the sub- repayment schedule of the target for subtracting refund interest.
In one embodiment, the Transaction Information of above-mentioned first refund transaction further includes the repayment amount of the first refund transaction Corresponding to go back fund, this is gone back fund and comprises at least one of the following: capital, interest, default interest and multiple benefit.Server can be from target At least one reality of repayment schedule record, which is gone back in item, determines and goes back the matched target of fund and go back item in fact, and refunds from target At least one of plan record, which should be gone back in item, determines to go back the associated target of item in fact with target and should go back item.Further, server The target that the repayment amount that transaction can be refunded based on first updates in the sub- repayment schedule of target for subtracting refund interest goes back item in fact The amount of money and target should go back the amount of money of item, to realize that the refund to the sub- repayment schedule of the target for subtracting refund interest is handled, The amount of money and the real amount of money for going back item of item should be gone back in the sub- repayment schedule of more fresh target.
Illustratively, it is assumed that be denoted as within one month 30 days, refund the matched history of the corresponding receipt mark of transaction also with wait retract Money plan is P1, and the corresponding mode by stages of the P1 is equal capital, and rate per month is that the first refund transaction of k (k is greater than 0) is corresponding also The money amount of money is denoted as x (x is greater than 0) member, and first, which refunds, trades corresponding repayment amount in the time to the time between exchange hour of refunding Difference is y (y is greater than 0 integer) day.In this case, first the corresponding repayment amount of transaction is refunded in the refund time to exchange hour Between the refund interest that generates are as follows: x*k* (y/30).
In one embodiment, it is assumed that 001 is identified as wait the corresponding receipt of refund transaction A that retracts, wait the transaction A that refunds that retracts Exchange hour be on September 30th, 2018, the second repayment schedule is as shown in table 2, wherein target repayment period time T1 corresponding target Only capital should be gone back in sub- repayment schedule to be fixed and invariable, should go back interest can be from value date according to the current residual sheet of the phase Gold is calculated, and is daily added up.For example, calculating since 9.1 days 2018 value date, the current residual capital of T1 phase is 2 Wan Yuan, then in the sub- repayment schedule of target on the 9.1st should to go back interest then be 10/3 yuan, answering in the sub- repayment schedule of target on the 9.2nd Also interest is then 20/3 yuan, as long as the payment beforehand for odd corpus does not occur, this, which should go back interest, then daily can persistently tire out Add, until expiry date for interest.
If (having the first refund to hand over to payment beforehand between expiry date for interest, has occurred on T1 phase time on corresponding value date Easily), then it will affect the calculating of the interest after the payment beforehand corresponds to time point, default interest or multiple benefit.It (is carried interest with repayment period time T1 Day 9.1~expiry date for interest 9.30) for, 30,000 yuan of odd corpus, should go back day as October 1.In No. 20 system records of September, there are one Payment beforehand, repayment amount are 20,000 yuan.In this case, the interest on date 9.1~9.20 then presses 3 Wan Yuanji of odd corpus It calculates, the interest after the date 9.20 then presses 10,000 yuan of odd corpus calculating, similar, when there is default interest or multiple sharp Under, it still will affect calculating.As can be seen that the refund time of each transaction of refunding seriously affects interest in repayment schedule, penalizes The calculating of breath and multiple benefit.
Further, it can be seen that the second repayment schedule corresponding system accounting time from table 2-1 to rest on wait retract The exchange hour (on September 30th, 2018) of transaction, the interest rate that should go back at this time is 1000 yuan.The previous refund of target repayment period time T1 Phase time is T0, and it is on September 1st, 2018 which, which correspond to repayment date, and server is inquired in September in 2018 1 day and September 30 in 2018 There is one first refunds between day (wait the exchange hour of transaction of refunding that retracts) to trade H1, which trades the refund of H1 Time is September 20th, and repayment amount is 5000 yuan, and (i.e. repayment amount is corresponding goes back fund to the capital for repaying this phase of T1 For capital).In this case, since the second repayment schedule corresponding system accounting time rests on when the transaction for the transaction that retracts Between on September 30th, 2018, at this time should go back interest rate be 1000 yuan.If directly refunding transaction H1 to the second refund meter using first It draws and carries out refund processing, then it can the interests that calculated between 20 days~September of September 30th more.Under normal circumstances, the first refund transaction H1 In the refund that September 20th occur, it is only necessary to pay the interest of the generation between 9.1 days~September of value date 20.In addition to this, it penalizes It ceases and multiple benefit is also daily to calculate, if directly carrying out refund processing to second repayment schedule using the first refund transaction H1, together Sample also relates to the default interest and multiple benefit that can be calculated between 20 days~September of September 30th more.
Therefore, in order to guarantee the accuracy being updated to the sub- repayment schedule of target.Server can calculate first first The refund time (on September 20th, 2018) of refund transaction H1 and the exchange hour (on September 30th, 2018) wait the refund transaction that retracts Between part interest, default interest and the multiple benefits calculated more, and the part benefit more calculated is subtracted in the sub- repayment schedule of target Breath, default interest and multiple benefit, and then the first repayment amount for refunding transaction H1 is recycled to carry out at refund target also fund plan Reason, the amount of money and the real amount of money for going back item of item should be gone back in the sub- repayment schedule of more fresh target.
Specifically, still by taking table 2-1 as an example, it is 0 that default interest should be gone back in the sub- repayment schedule of the target and should also answer benefit, this should go back It is that time section is calculated that interest 1000, which is with the exchange hour of transaction to be retracted (on September 30th, 2018),.When there are first When transaction H1 (2018 time September 20 days of refunding) of refunding, which is 5000 yuan, for repaying The also capital (i.e. the corresponding fund of going back of repayment amount is capital) of this phase of T1.In this case, server can calculate September in 2018 20 days and wait the raw refund interest of fecund between exchange hour on September 30th, 2018 of transaction of refunding of retracting it is 83.3 yuan, and then in target also fund should go back script 1000 yuan of interest and be adjusted to (1000-83.3)=916.7 in the works Member subtracts the sub- repayment schedule of target of refund interest as shown in table 2-2.Further, since the first refund transaction H1 is corresponding Also fund is capital, then the reality gone back in item in fact can be gone back to capital is determined as going back the matched target of fund with this and go back item in fact, it is real also The change of capital will affect the odd corpus in table 2-2, therefore the odd corpus that should be gone back in item can be determined as and the target To go back the matched target of item in fact should go back item, and then using going back capital in fact in 5000 yuan of update table 2-2, should go back capital and odd corpus The amount of money, updated reality go back capital and are adjusted to (20000-5000)=15000 yuan for 5000 yuan, odd corpus.
Table 2-1
Table 2-2
It is understood that when should go back in the target repayment period time corresponding sub- repayment schedule of target default interest and should also it is multiple it is sharp not When being 0.Server can equally and also calculate the refund time that target refunds transaction first in the works arrive wait retracting and also The refund default interest that generates and multiple benefit of refunding between the exchange hour of money transaction, and should go back in the sub- repayment schedule of target default interest with Should the amount of money of also multiple benefit the refund default interest is individually subtracted and multiple benefit of refunding.Further, then based on the first refund the refund traded The amount of money carries out refund processing to the sub- repayment schedule of target for subtracting the refund default interest and multiple benefit of refunding.
In another example server is inquired on September 1st, 2018 on September 30th, 2018 (wait the transaction refunded and traded that retracts Time) between there are two first refund transaction be respectively H1 and H2, the refund time of the H1 is September 20th, and repayment amount is 5000 yuan, for repaying the capital (i.e. the corresponding fund of going back of repayment amount is capital) of this phase of T1；The refund time of the H2 is 9 The moon 25, repayment amount is 5000 yuan, for repaying the capital of this phase of T1.In this case, server can be according to the time The sequence of ascending order, the preferential Transaction Information for using H1 carry out for the first time the target repayment period time sub- repayment schedule of corresponding target It updates, obtains going back fund plan as shown in table 2-3, the updated sub- repayment schedule of target, can be with as shown in table 2-3 for the first time Find out for the first time the updated sub- repayment schedule of target go back in fact capital be adjusted to 5000 yuan, odd corpus be adjusted to (20000- =15000 yuan 5000).It is possible to further adopt in a similar manner, using the Transaction Information of H2, to progress first time update The sub- repayment schedule of target afterwards carries out second and updates, and second of updated sub- repayment schedule of target is gone back capital in fact and be adjusted to 10000 yuan, odd corpus be adjusted to (15000-5000)=10000 yuan, should go back interest also from for the first time it is updated 916.7 yuan It is adjusted to 916.7-41.7=875 member.
Table 2-3
In the embodiment of the present application, server can receive the rollback requests of terminal transmission being directed to wait the refund transaction that retracts, It searches and identifies matched history repayment schedule with wait the receipt refunded and traded that retracts, and determined from least one repayment period time Wait the exchange hour corresponding target repayment period time refunded and traded that retracts, and delete target repayment period is secondary in history repayment schedule Go back after fund plan and target repayment period time it is each go back fund plan, obtain the first repayment schedule, and then be based on target It is each before repayment period time to go back the record information of refund indicated by fund plan, target repayment period time is reconstructed in the first repayment schedule Go back after fund plan and target repayment period time it is each go back fund plan, with obtain wait retract refund transaction retract after the Two repayment schedules.Further, server can determine the repayment date of the previous repayment period time of target repayment period time, if inquiring It refunds and trades in the presence of first for receipt mark between the repayment date and exchange hour, then the transaction based on the first refund transaction Information, the more fresh target repayment period time corresponding sub- repayment schedule of target in the second repayment schedule.Using the application, be conducive to mention The rollback efficiency of height transaction.
The embodiment of the present application also provides a kind of transaction rollback device based on data processing.The device includes for executing The module of method described in earlier figures 1 or Fig. 2, is configured at server.It specifically, is that the embodiment of the present application provides referring to Fig. 3 Based on data processing transaction rollback device schematic block diagram.The transaction rollback device packet based on data processing of the present embodiment It includes:
Communication module 30, for receiving the rollback requests of terminal transmission being directed to wait the refund transaction that retracts, the rollback is asked It asks including described wait the Transaction Information refunded and traded that retracts, the Transaction Information includes described when the transaction for the refund transaction that retracts Between and it is described wait the corresponding receipt mark of trading of refunding that retracts；
Processing module 31 identifies matched history repayment schedule, the history repayment schedule with the receipt for searching Corresponding fund plan is gone back including each repayment period time at least one repayment period time；
The processing module 31 is also used to determine that the exchange hour is corresponding from least one described repayment period time Target repayment period time, and that deletes in the history repayment schedule target repayment period time goes back fund plan and the mesh Each after mark repayment period time goes back fund plan, obtains the first repayment schedule；
The processing module 31 is also used to go back refund indicated by fund plan based on each before the target repayment period time Information is recorded, the target repayment period time is reconstructed in first repayment schedule goes back fund plan and target refund Each after phase time goes back fund plan, with obtain it is described wait retract refund transaction retract after the second repayment schedule.
In one embodiment, the processing module 31, is also used to detect between the exchange hour and system time In preset time range whether time range；If detecting, the time range in the preset time range, is triggered Execute the step of lookup identifies matched history repayment schedule with the receipt；If detecting the time range not in institute It states in preset time range, then prompt information is exported to terminal by communication module 30, the prompt information is described for prompting It trades and can not retract wait retract to refund.
In one embodiment, the processing module 31 is also used to determine the previous repayment period of the target repayment period time Secondary repayment date；It inquires between the repayment date and the exchange hour and is handed over the presence or absence of the refund for receipt mark Easily；It, will be described if there is the refund transaction for receipt mark between the repayment date and the exchange hour Transaction of refunding is determined as the first refund transaction；Based on the Transaction Information of the first refund transaction, in second repayment schedule It is middle to update the target repayment period time corresponding sub- repayment schedule of target.
In one embodiment, record has the gold that should go back item in the target repayment period time corresponding sub- repayment schedule of target Volume and reality go back the amount of money of item, and the item that should go back comprises at least one of the following: should go back capital, should go back default interest, should also answer benefit, Ying Haili Breath and odd corpus, the reality also item comprise at least one of the following: real to go back capital, real also default interest, real also multiple benefit and real also interest.
In one embodiment, the item that should go back includes that should go back interest, and the reality also item includes going back interest in fact, and described first The Transaction Information traded of refunding includes refund time and the repayment amount of the first refund transaction, the processing module 31, tool Body, which is used to that described first to refund, is switched to the refund time of the first refund transaction the day of trade；For the target repayment period It is secondary, the repayment amount is calculated in the refund time to the refund interest generated between the exchange hour；In the target The amount of money that should go back interest is subtracted into the refund interest in sub- repayment schedule；The refund traded of refunding based on described first is golden Volume carries out refund processing to the sub- repayment schedule of target for subtracting the refund interest, updates described in the sub- repayment schedule of the target The amount of money of item and the amount of money of the reality also item should be gone back.
In one embodiment, the processing module 31 is also used in the Transaction Information of the transaction to be retracted Add the mark that retracted；The communication module 30 is also used to and will add the Transaction Information and described second of the mark that retracted Repayment schedule is sent to the terminal.
In one embodiment, record has each repayment period time corresponding to carry interest in the history repayment schedule Day and expiry date for interest, the processing module 31 are specifically used for respectively corresponding to based on the exchange hour and each repayment period time Value date and expiry date for interest, from determining described to trade corresponding target also wait retract to refund at least one described repayment period time It is the money phase time, described wait retract the exchange hour refunded and traded between the target repayment period time on corresponding value date and expiry date for interest Time range in.
It should be noted that each function mould of the described transaction rollback device based on data processing of the embodiment of the present application The function of block can method specific implementation in the embodiment of the method according to Fig. 1 or Fig. 2, specific implementation process can join According to the associated description of the embodiment of the method for Fig. 1 or Fig. 2, details are not described herein again.
Fig. 4 is referred to, Fig. 4 is a kind of schematic block diagram of server provided by the embodiments of the present application, as shown in figure 4, should Server includes processor 401, memory 402 and network interface 403.Above-mentioned processor 401, memory 402 and network interface 403 can be connected by bus or other modes, in Fig. 4 shown in the embodiment of the present application for being connected by bus.Wherein, net Network interface 403 is used for messaging by the control of the processor, and memory 402 is for storing computer program, the calculating Machine program includes program instruction, and processor 401 is used to execute the program instruction of the storage of memory 402.Wherein, 401 quilt of processor It is configured to call described program instruction execution: be directed to by what the reception terminal of network interface 403 was sent wait the transaction of refunding that retracts Rollback requests, the rollback requests include described wait the Transaction Information of transaction of refunding that retracts, and the Transaction Information includes described Wait the exchange hour of transaction and described wait the corresponding receipt mark of trading of refunding that retracts of refunding that retracts；It searches and is identified with the receipt Matched history repayment schedule, the history repayment schedule include at least one repayment period time each repayment period time it is corresponding also Fund plan；The exchange hour corresponding target repayment period time is determined from least one described repayment period time, and in institute State delete target repayment period time in history repayment schedule go back fund plan and each after the target repayment period time Also fund plan obtains the first repayment schedule；Refund indicated by fund plan is gone back based on each before the target repayment period time Information is recorded, the target repayment period time is reconstructed in first repayment schedule goes back fund plan and target refund Each after phase time goes back fund plan, with obtain it is described wait retract refund transaction retract after the second repayment schedule.
In one embodiment, the processor 401, be also used to detect between the exchange hour and system time when Between range whether in preset time range；If detecting the time range in the preset time range, triggering is held The step of row lookup identifies matched history repayment schedule with the receipt；If detecting the time range not described In preset time range, then prompt information is exported to terminal by network interface 403, the prompt information for prompt it is described to It retracts to refund and trades and can not retract.
In one embodiment, the processor 401 is also used to determine the previous repayment period time of the target repayment period time Repayment date；It inquires between the repayment date and the exchange hour with the presence or absence of the refund transaction for receipt mark； If there is the refund transaction for receipt mark between the repayment date and the exchange hour, by the refund Transaction is determined as the first refund transaction；Based on the Transaction Information of the first refund transaction, in second repayment schedule more The new target repayment period time corresponding sub- repayment schedule of target.
In one embodiment, record has the gold that should go back item in the target repayment period time corresponding sub- repayment schedule of target Volume and reality go back the amount of money of item, and the item that should go back comprises at least one of the following: should go back capital, should go back default interest, should also answer benefit, Ying Haili Breath and odd corpus, the reality also item comprise at least one of the following: real to go back capital, real also default interest, real also multiple benefit and real also interest.
In one embodiment, the item that should go back includes that should go back interest, and the reality also item includes going back interest in fact, and described first Refund transaction Transaction Information include it is described first refund transaction the refund time and repayment amount, the processor 401, specifically For the refund time for being switched to the first refund transaction the day of trade that described first refunds；It is secondary for the target repayment period, The repayment amount is calculated in the refund time to the refund interest generated between the exchange hour；Target also The amount of money that interest should be gone back is subtracted the refund interest in the works by money；Repayment amount pair based on the first refund transaction The sub- repayment schedule of target for subtracting the refund interest carries out refund processing, and updating should go back described in the sub- repayment schedule of the target The amount of money of item and the amount of money of the reality also item.
In one embodiment, the processor 401 is also used to add in the Transaction Information of the transaction to be retracted Add the mark that retracted；The network interface 403 is also used to and will add the Transaction Information and described second of the mark that retracted Repayment schedule is sent to the terminal.
In one embodiment, record has each repayment period time corresponding to carry interest in the history repayment schedule Day and expiry date for interest, the processor 401 are specifically used for corresponding based on the exchange hour and each repayment period time Value date and expiry date for interest are determined described wait the corresponding target refund of trading of refunding that retracts from least one described repayment period time It is phase time, described wait retract the exchange hour refunded and traded between the target repayment period time on corresponding value date and expiry date for interest In time range.
It should be appreciated that in the embodiment of the present application, alleged processor 401 can be central processing unit (Central Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at Reason device is also possible to any conventional processor etc..
The memory 402 may include read-only memory and random access memory, and to processor 401 provide instruction and Data.The a part of of memory 402 can also include nonvolatile RAM.For example, memory 402 can also be deposited Store up the information of device type.
In the specific implementation, processor 401, memory 402 described in the embodiment of the present application and network interface 403 can be held Implementation described in embodiment of the method described in row Fig. 1 or Fig. 2 provided by the embodiments of the present application, also can be performed the application The implementation of the described transaction rollback device based on data processing of embodiment, details are not described herein.
A kind of computer readable storage medium, the computer-readable storage medium are provided in another embodiment of the invention Matter is stored with computer program, and the computer program includes program instruction, and described program instructs realization when being executed by processor: What reception terminal was sent is directed to wait the rollback requests refunded and traded that retract, and the rollback requests are including described wait the refund transaction that retracts Transaction Information, the Transaction Information includes described wait the exchange hour of transaction and described wait the transaction pair of refunding that retracts of refunding that retracts The receipt mark answered；It searches and identifies matched history repayment schedule with the receipt, the history repayment schedule includes at least one Each repayment period time corresponding goes back fund plan in a repayment period time；The friendship is determined from least one described repayment period time Easy time corresponding target repayment period time, and that deletes in the history repayment schedule target repayment period time goes back fund meter It draws and each after target repayment period time goes back fund plan, obtain the first repayment schedule；Based on the target repayment period It is secondary it is preceding it is each go back refund indicated by fund plan record information, the target repayment period is reconstructed in first repayment schedule It is secondary to go back fund plan and each after the target repayment period time goes back fund plan, it is described wait the transaction of refunding that retracts to obtain The second repayment schedule after rollback.
The computer readable storage medium can be the internal storage unit of server described in aforementioned any embodiment, Such as the hard disk or memory of server.The external storage that the computer readable storage medium is also possible to the server is set Plug-in type hard disk that is standby, such as being equipped on the server, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, the computer readable storage medium is also Can both including the server internal storage unit and also including External memory equipment.The computer readable storage medium is used Other programs and data needed for storing the computer program and the server.The computer readable storage medium It can be also used for temporarily storing the data that has exported or will export.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..
Above disclosed is only section Example of the invention, cannot limit the right of the present invention with this certainly Range, those skilled in the art can understand all or part of the processes for realizing the above embodiment, and according to right of the present invention Equivalent variations made by it is required that, still belongs to the scope covered by the invention.

Claims (10)

1. a kind of transaction backing method based on data processing, which is characterized in that the method is applied to server, the method Include:
The rollback requests being directed to wait the refund transaction that retracts that terminal is sent are received, the rollback requests include described wait the refund that retracts The Transaction Information of transaction, the Transaction Information include it is described wait retract refund transaction exchange hour and described handed over wait retract to refund Easily corresponding receipt mark；
It searches and identifies matched history repayment schedule with the receipt, the history repayment schedule includes at least one repayment period time In each repayment period time corresponding go back fund plan；
The exchange hour corresponding target repayment period time is determined from least one described repayment period time, and in the history Deleted in repayment schedule target repayment period time go back fund plan and each after the target repayment period time goes back fund Plan, obtains the first repayment schedule；
The record information of refund indicated by fund plan is gone back based on each before the target repayment period time, refunds and counts described first In drawing reconstruct target repayment period time go back fund plan and each after the target repayment period time goes back fund plan, with Obtain second repayment schedule after retracting and refunding transaction rollback.
2. refunding the method according to claim 1, wherein the lookup identifies matched history with the receipt Before plan, the method also includes:
Whether in preset time range to detect time range between the exchange hour and system time；
If detecting the time range in the preset time range, triggers and execute the lookup and receipt mark The step of matched history repayment schedule；
If detecting the time range not in the preset time range, prompt information is exported to the terminal, it is described Prompt information described can not retract for prompting wait the transaction of refunding of retracting.
3. method according to claim 1 or 2, which is characterized in that it is described retracted after the second repayment schedule after, The method also includes:
Determine the repayment date of the previous repayment period time of the target repayment period time；
It inquires between the repayment date and the exchange hour with the presence or absence of the refund transaction for receipt mark；
It, will be described if there is the refund transaction for receipt mark between the repayment date and the exchange hour Transaction of refunding is determined as the first refund transaction；
Based on the Transaction Information of the first refund transaction, it is right that the target repayment period time is updated in second repayment schedule The sub- repayment schedule of the target answered.
4. according to the method described in claim 3, it is characterized in that, the target repayment period time corresponding sub- repayment schedule of target Middle record has the amount of money that should go back item and the real amount of money for going back item, and the item that should go back comprises at least one of the following: should go back capital, should also penalize Breath, should also multiple benefit, should go back interest and odd corpus, the reality also item comprises at least one of the following: it is real go back capital, it is real go back default interest, Real also multiple benefit and real also interest.
5. according to the method described in claim 4, it is characterized in that, the item that should go back includes that should go back interest, the reality also item packet Real also interest is included, the described first Transaction Information for refunding transaction includes the refund time of the first refund transaction and gold of refunding Volume, the Transaction Information based on the first refund transaction, updates the target repayment period in second repayment schedule The secondary sub- repayment schedule of corresponding target, comprising:
Described first is refunded and is switched to the refund time of the first refund transaction the day of trade；
For the target repayment period time, calculates the repayment amount and generated in the refund time between the exchange hour Refund interest；
The amount of money that should go back interest is subtracted into the refund interest in the sub- repayment schedule of the target；
The repayment amount for refunding transaction based on described first refunds to the sub- repayment schedule of target for subtracting the refund interest Processing, updates the amount of money of the amount of money that item should be gone back described in the sub- repayment schedule of the target and the reality also item.
6. the method according to claim 1, wherein it is described retracted after the second repayment schedule after, institute State method further include:
The mark that retracted, and the friendship that the mark that retracted will be added are added in the Transaction Information of the transaction to be retracted Easy information and second repayment schedule are sent to the terminal.
7. the method according to claim 1, wherein record has each refund in the history repayment schedule Phase time on corresponding value date and expiry date for interest, it is described to determine the exchange hour pair from least one described repayment period time The target repayment period time answered, comprising:
Based on the exchange hour and each repayment period time corresponding value date and expiry date for interest, from it is described at least one It is described wait the transaction refunded and traded that retracts wait the corresponding target repayment period time of trading of refunding that retracts described in being determined in repayment period time In time range of the time between the target repayment period time on corresponding value date and expiry date for interest.
8. a kind of transaction rollback device based on data processing, which is characterized in that described device is configured at server, the transaction Rollback device includes:
Communication module, for receiving the rollback requests of terminal transmission being directed to wait the refund transaction that retracts, the rollback requests include The Transaction Information wait the refund transaction that retracts, the Transaction Information include described wait the exchange hour traded and the institute of refunding that retract It states wait the corresponding receipt mark of trading of refunding that retracts；
Processing module identifies matched history repayment schedule with the receipt for searching, and the history repayment schedule includes extremely Each repayment period time corresponding goes back fund plan in a few repayment period time；
The processing module is also used to determine the corresponding target of the exchange hour also from least one described repayment period time Money phase time, and delete in the history repayment schedule target repayment period time go back fund plan and the target is refunded Each after phase time goes back fund plan, obtains the first repayment schedule；
The processing module is also used to go back the record letter of refund indicated by fund plan based on each before the target repayment period time Breath, the target repayment period time is reconstructed in first repayment schedule goes back fund plan and after the target repayment period time It is each go back fund plan, with obtain it is described wait retract refund transaction retract after the second repayment schedule.
9. a kind of server, which is characterized in that including processor and memory, the processor is mutually interconnected with the memory It connects, wherein the memory is for storing computer program, and the computer program includes program instruction, the processor quilt It is configured to call described program instruction, executes the method according to claim 1 to 7.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has computer journey Sequence, the computer program include program instruction, and described program instruction executes the processor such as The described in any item methods of claim 1-7.
CN201910301552.9A 2019-04-12 2019-04-12 A kind of transaction backing method and relevant device based on data processing Pending CN110135851A (en)

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